5 year fixed 90% LTV [FE097]

Fixed until 31/08/2023

Early Repayment Charges apply.

This product may be withdrawn at any time.

arrangement fee
This fee can be paid upfront or added to the mortgage amount. If the fee is added to the mortgage then interest will be payable on the fee at the same rate as the mortgage.
booking fee
This fee must be paid on application. We are unable to accept payment of the fee by credit card.
no fee
initial rate
2.49% fixed to 31 August 2023
followed by our SVR 4.99%
The overall cost for comparison is 4.1% APRC

Key features

  • Semi-exclusive product: available to our key panel of networks and clubs

Product key features

Product availability

This is a semi-exclusive product. Applications are accepted within England and Wales from members of our key panel of mortgage networks and clubs.

Enhanced Criteria

Enhanced criteria level 3 restrictions apply. No status 2 or greater recorded on credit file during 12 months before application.

Product related fees

There is an arrangement fee of £999. This fee can be paid up front by deducting the fee from the amount borrowed. Alternatively the fee can be added to the mortgage amount.

If the fee is added to the mortgage your client will pay interest on the fee at the same rate as the mortgage.

Mortgage amounts

There is a minimum mortgage amount of £50,000.

This product has a maximum mortgage amount of £350,000.

There is a minimum property value of £75,000 which increases to £250,000 for properties located within the M25 corridor.

The maximum loan to value is 90%.

Mortgage repayment terms

The minimum repayment term is 5 years and the maximum repayment term is 35 years.

Early Repayment Charges

Up to 10% of the original mortgage amount can be repaid each year without charge. If  the mortgage is redeemed or switched to another product during the fixed rate period then an Early Repayment Charge will apply.

The Early Repayment Charge will be 6% of the amount repaid until 31 August 2018, 5% of the amount repaid until 31 August 2019, 4% until 31 August 2020, 3% until 31 August 2021, 2% until 31 August 2022 and 1% until 31 August 2023.

Our Head of Mortgage Sales, Richard is happy to help 0121 521 4045* Getting in touch
Our lines are open:
Monday - Friday9:00 - 17:00
Saturday - SundayClosed
*Calls from landlines are charged at the standard rate. Calls from mobiles may vary.

Were are here to...

  • Help with your new case
  • Discuss our criteria
  • Talk about affordability
  • Process your decision in principle requests

Your home may be repossessed if you do not keep up repayments on your mortgage.